AirtelPPT.pdf

7/27/2019 AirtelPPT.pdf

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airtel moneyAn Introduction September 2013


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transactions | trends

142 mobile money million

transactions globally

29.8 mn payments

India: 25.6Mn Transactions

P2P transfers

bill payments

bulk payments

330 million have

accounts with a

deposit of 16.3

trillion$

480 million unbanked

By 2015 payments throughmobile channel to grow to

51% - McKinsey

2

Cash

90% of consumer

spends in India

Instrument Penetration

Debit

Card

25%

Credit

Card 2% Mobile

75%

Indias GDP (USD 1.8trillion)!!


3/16

lopsided infrastructure I revenue opportunity

72% of Population

600,000 Villages

Rural28% of Population

5161 Towns

Urban

Bank Branches: 99,000+

ATMs: 104,500

Retail Stores: 13 mn

Post offices: 0.15 mn

20%

0%

67%

90%

80%

100%

33%

10%

17K branches for 600K

villages!

No Banking services,

incl. cash deposit,storage & withdrawal

Largely Sell basic

goods, not leveraging

technology

Small post offices, with

no impact of technology

3


4/16

Airtel Retailer Network Reaches

Closest to the Customer - MOST

ideally suited for delivering

Financial services

Airtel network covers 95% of all

census towns in India

80% of the bank branches are in

5,200 towns, while only 20% cover

6 lakh villages in India

Telecom retail outlets are not limited

by banking hours / working days

Customer

ATM 80,000 (every 73Sq Km)

Western Union Outlets 90,000(every 33 Sq Km)

ANY Bank Branch 99,000(every 30 Sq Km)

Post Office 150,000(every 20 Sq Km)

Airtel 1.5 mn(1 every 2 Sq Km)

SBI Branch - 18,000(every 166 Sq Km)

POS 560,000(every 5 Sq Km)

distribution | last mile reach is key 4


5/16

airtel money |what is it?

What is it?

Why use

it?

Express a/c (All India) Super a/c (Only Del, Mum, Bihar, UP)What

types of

a/cs?

Register: fill form at airtel money-Axis Bankoutlet and submit photo, POI & POA

Registration done from: Retailer Phone

Registration Fee: Rs 50 (One Time)

Register: dial *400# & enter name DOB

Registration done from: Customer Phone

Registration Fee: Rs 15 (One Time)

Load cash:At airtel money outlets or through card / net banking on www.airtel.in

Usage: Dial *400# & choose option from menu

How to

use?

Recharge phone & DTH Pay bill for electricity, gas,

landline, postpaid

Money Transfer to bank a/c &

airtel money a/c

Book tickets for IRCTC, movies

Online Payments (e-commerce)

Safe & securethrough mPIN

Pay anywhere,anytime

No long queuesfor bill payments

Specialoffers

get a wallet onmobi le

load cash onmobi le

Use for payment& money transfer

All express account features PLUS

Earn interest @ 4% p.a.

Withdraw cash

Send cash to any mobile

How to

register?

5
http://www.airtel.in/http://www.airtel.in/


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Money TnfLimit

10,000 per Day10,000 per Month


EXPRESS ACCOUNT

Max Limit

per Txn5,000 on USSD 5,000 on USSD


5,000 on USSD

POWER ACCOUNT SUPER ACCOUNT

Max Wallet

Balance10,000 50,000 50,000

Max Cash-in

per day

5,000 @ Retailer

10,000 @ Web

5,000 @ Retailer

49,999 @ Web

25,000 @ Retailer

49,999 @ Web

Spending

limit10,000 per Day

10,000 per month

50,000 per Day

15 Lacs per month

50,000 per Day

1 Lac per Year

airtel money | product variants & use cases

Recharg

eTicket

Booking

ecommer

ce

Money

Transfer

Bill

Payment

Primary Use Cases

6


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What is it?

How to use? (Shortcuts)

Why use it?

ANY PHONE, ANY DTH

ANYWHERE, ANYTIME

INSTANT RECHARGE

CONVENIENT FAST

NO NEED TO GO TO A

RETAIL OUTLET

SECURED BY 4 DIGIT

MPIN

HASSLEFREE SAFE

Recharge ANY operator PREPAID PHONE ANYWHERE IN INDIA

Recharge ANY DTH Connection ANYWHERE IN INDIA

Target Segment

All mobile users

All DTH users

Recharge your own airtel phone *400*2*1*1#

Recharge any other airtel phone *400*2*1*2#

Recharge any other prepaid phone *400*2*5#

recharges | product construct 7


8/16

remittance | opportunity sizing

SEGMENT: Migrant Labor SEGMENT: Net-banking User

SEGMENT SIZE 100 million 24 million

URBAN / RURAL 35 mn 39 mn 26 mn

URBAN SEMI-URBAN RURAL

8 mn 13 mn 3 mn

URBAN SEMI-URBAN RURAL

REMITTERS 20 mn 23 mn 15 mn 5 mn 8 mn 2 mn

AIRTEL SHARE 6 mn 7 mn 5 mn 1.5 mn 2 mn 1 mn

SMS USERS 2 mn 2 mn 1 mn 1.5 mn 2 mn 1 mn

TARGET SEGMENT 4 million 4.5 million

Source: Remittances in India Dr. YSP Thorat Source: India Internet Usa e IAMAI

8


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What is it?


Why use it?

Send Money to Any Bank Account, Airtel Money account or Any Mobile

Number in the country from your Mobile, that too without using internet.

Sending to any mobile operator using Super Account

Target Segment

Migrants who have money transfer need and send money through alternate modes Money order,

courier, bank branches, BC outlets like EKO, FINO etc.

Send to Airtel Money customer : Dial *400*3*1#

Send to Bank Account : Dial *400*3*2#

Send to Any mobile (Applicable for Super a/c) : Dial *400*3*4#

ANYONE,

ANYWHERE,

ANYTIME

TO ANY MOBILE OR

AIRTEL MONEY A/C

INSTANTLY

TO ANY BANK

WITHIN 4 HOURS

CONVENIENT FAST

NO NEED TO TAKE

LEAVE FROM WORK

TO GO TO BANK

NO STANDING IN

QUEUES OUTSIDE

BANK BRANCH

SECURED BY 4

DIGIT MPIN

HASSLEFREE SAFE

CHEAPER THAN

MONEY ORDERS

AND COURIERS

VALUE FOR

MONEY

money transfer | product construct 9


10/16

railways I opportunity: 20 mn tickets per day

reserved / day 1.2 mn 0.45 mn: IRCTC 80% through agents; 20% by customers

unreserved / day 18.8 mn

PG B2C Scheme B2M Scheme

Segment Customers CustomersCustomers

Cost

Rs 1 Cr (once)

Rs 25 lakhs p.a.Rs 20 lakh for pilot

Rs 7 lakhs

(integration fee)

Channel App / WebSMS / IVR / USSD /

STK

Web / RDS

account

R

eserved

(

withIRCTC)

Tatkal a NANA

Service Charges: Rs 10 (sleeper) / Rs 20 (AC) + PG Charges: 1.5%

B2B Scheme

Agents / Retailers

Web

Rs 1 Cr (once)

Rs 25 lakhs p.a.

NA

*132# as given by TRAI; Application Development & management to be done by CRIS

only at railway stations

the first non internet based channel; how do we leverage this partnership

10


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What is it?

How to use?

Why use it?

ANYWHERE, ANYTIME

NO STANDING IN

QUEUES AT THE

RAILWAY TICKETBOOKING COUNTERS

BOOK YOUR TICKET

IN 5 SIMPLE STEPS

CONVENIENT FAST

NO INTERNET

CONNECTION

NO SMARTPHONE

SECURED BY 4 DIGIT

MPIN

SIMPLE SAFE

Now book railway tickets on your phone

NO INTERNET REQUIRED. No smart-phone required

IRCTC ID required; cannot book Tatkal

Target Segment

Anyone booking railway tickets at the railway booking counters

*400*6*1# shortcode to book rail tickets

Launched in July

ticket booking | product construct 11


12/16

eCommerce I the opportunity 12

Source: IAMAI Digital Commerce Report 2013


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What is it?

How to use?

Why use it?

SIMPLE TO USE:

SELECT AIRTEL

MONEY IN PAYMENT

OPTIONS

3 STEPS TO PAY:

ENTER MOBILE

NUMBER > MPIN >

OTP

CONVENIENT FAST

BOTH EXPRESS &

POWER CAN BE USED

EASY TO LOAD CASH

SECURED BY

4 DIGIT MPIN

& 6 DIGIT OTP

EASY TO GET SAFE

Use it to make online payments

Can be accessed from a PC as well as mobile sites & applications

Movie tickets, travel sites, online shopping, insurance premium payments, education sites, recharges &utility bill payments (boomyshow, myntra, bagittoday, indiatimes shopping, Utility billers etc)

Target Segment

Urban youth & youth from tier II & III cities

Select airtel money on the payment page of the website

Enter airtel money mobile number

Enter your MPIN

Enter the One Time Password (received on mobile phone as SMS)

Transaction complete

13eCommerce | product construct


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bill payments I landscape

Rs 250,000 Cr

what % of boards customers should be targeted?

lack of alternate

instrument no time

Source: IAMAI report on digital payments

self / servants /

retailers / drivers

80% 15% 5%

10% 90% 60% 40% 70% 30%

70 mn

95 mn

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What is it?


Why use it?

ANYWHERE, ANYTIMENO STANDING IN

QUEUES OUTSIDE

COLLECTION POINTS

INSTANT PAYMENT

CONVENIENT FAST

5% CASHBACKSECURED BY 4 DIGIT

MPIN

ATTRACTIVE OFFERSSAFE

Pay your electricity/gas bills, insurance premiums, landline, postpaid bills from your phone.

Recharge your toll-card, make donations

Pay your self airtel postpaid bills: Dial *400*2*2*1#

Pay other airtel postpaid bills: Dial *400*2*2*2#

Pay your electricity bills: Dial *400*4*1#

Pay your insurance premium: Dial *400*4*2#

Buy movie tickets: Dial *400*4*3#

utility bill payment | product construct 15


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Thank you

Documents

AirtelPPT.pdf